Services — Proactive Consult | Specialist Property Finance

Bridging Finance

Short-term secured lending for time-critical transactions.

Bridging finance provides fast, flexible short-term funding secured against property. We arrange bridging loans for auction purchases, chain breaks, refurbishment projects, and situations where speed is essential. Our lender relationships allow us to move quickly on complex cases that mainstream lenders won't touch.

Auction purchases requiring completion within 28 days
Capital raise
Light and heavy refurbishment projects
Land and planning gain transactions

Enquire about Bridging Finance

Development Finance

Funding for residential and commercial development projects.

We arrange development finance for ground-up builds, conversions, and mixed-use schemes. Whether you're an experienced developer or undertaking your first project, we structure funding that works for your timeline and exit strategy, drawing on a wide network of specialist development lenders.

Ground-up residential and commercial builds
Permitted development and change of use conversions
Mixed-use and student accommodation schemes
Mezzanine and stretched senior facilities

Enquire about Development Finance

Commercial Finance

Mortgages and loans for commercial property.

From owner-occupied premises to investment properties, we arrange commercial mortgages and loans for a wide range of asset classes. Our whole-of-market approach means we can source terms for properties and borrowers that specialist high-street lenders decline.

Retail, office, and industrial investment properties
Owner-occupied commercial premises
Semi-commercial and mixed-use assets
Commercial refinance and capital raising

Enquire about Commercial Finance

Buy-to-Let Finance

Portfolio and individual BTL mortgages, including complex structures.

We arrange buy-to-let mortgages for individual properties and large portfolios, including HMOs, multi-unit freehold blocks, and properties held in limited company or SPV structures. We work with landlords at every stage — from first investment to portfolio refinance.

HMOs and multi-unit freehold blocks (MUFBs)
Limited company and SPV buy-to-let
Portfolio refinance and consolidation
Holiday lets and serviced accommodation

Enquire about Buy-to-Let Finance

Portfolio Financing

Structured solutions for property portfolio growth and consolidation.

Managing finance across a property portfolio requires a strategic approach. We help investors consolidate debt, release equity, and structure facilities that support long-term growth — working with specialist lenders who understand portfolio lending at scale.

Portfolio refinance and debt consolidation
Equity release for further acquisitions
Cross-collateralised portfolio facilities
Restructuring ahead of sale or inheritance

Enquire about Portfolio Financing

Ownership Structuring

SPV, limited company, and trust structures for property ownership.

The right ownership structure can significantly affect your tax position, financing options, and long-term flexibility. We advise on SPV and limited company structures for property acquisition and work alongside your accountant and solicitor to ensure the structure is right before finance is arranged.

SPV and limited company setup for BTL and development
Transferring properties into a corporate structure
Trust and family investment company structures
Structuring ahead of portfolio acquisition

Enquire about Ownership Structuring

UK Bank Account Support

Banking facilities for complex and overseas-based clients.

Securing a UK bank account can be a significant obstacle for overseas investors, non-UK nationals, and businesses with complex structures. We assist clients in navigating the banking process, drawing on our relationships with specialist banks and private banking providers who serve non-standard clients.

UK bank accounts for overseas property investors
Business banking for SPVs and holding companies
Private banking introductions for high-net-worth clients
Banking support for non-UK nationals and expats

Enquire about UK Bank Account Support

Specialist finance for complex property transactions.